CCCU First Mortgages
Be as happy with your loan as you are with your home.
Whether you're buying your first house or your last, moving up, refinancing, or building credit along with equity, we can help.
Choose the best programs to fit your situation, including:
- Fixed Rate Mortgage.
- Jumbo loans.
- Loans with 1st and 2nd combo.
- Adjustable rate mortgage programs.
- FHA/VA/Conventional Loans.
- Purchases and Refinancing.
- First-Time Homebuyer Programs.
CCCU's Home Mortgage Loan Officers are also licensed to act as mortgage loan brokers from multiple lenders.
Clark County Credit Union: Nevada state MLD Lender #3521 NMLS Registry #371854
First-Time Home Buyers
We're here to help you move from renting to owning a home!
WISH 4-to-1 Program*
Our Wish Program provides low-to-moderate-income individuals and families with a 4-to-1 matching grant to get them on the journey to home ownership. To be eligible, the homebuyer must:
- Have completed a homebuyer counseling program.
- Be a first-time homebuyer, as defined by CCCU.
- Meet income eligibility guidelines, at the time of enrollment in the WISH Program.
- Be at or below 80% of the HUD area median income.
Call 702-228-2228 to speak to a Mortgage Loan Officer about the WISH Program today!
*Enrollment in the WISH Program does not guarantee the homebuyer's receipt of program funds.
Home is Possible
This is an interest-free down payment assistance program of up to 4% of the total loan amount. With its competitive interest rate, homebuyers have more buying power and can use the funds for their down payment and closing costs. To be eligible, the homebuyer must:
- Be a first-time homebuyer (have not owned a home in the past 3 years)
- Have a maximum purchase price and income limits by county (Government Loans)
- Have a minimum credit score of 640
- Maximum debt ratio up to 50% based on credit score and loan type (talk to CCCU about the guidelines)
- Live in the home as a primary residence
- Meet standard underwriting requirements
- Complete homebuyer education course
Ready to take the first step? Speak to a Mortgage Loan officer at 702-228-2228 today!
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